• 무역상무연구
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• 제15권
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• pp.59-87
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• 2001

In recent years electronic fund transfers covered by the Electronic Fund Transfer Act 1978 for consumer protection and the Article 4A of Uniform Commercial Code(U.C.C.) 1989 for wholesale electronic payments in United States. Electronic fund transfers carried out by use of a wire transfer network, automated clearing house, or other communication system of a clearing house or other association of banks such as direct deposit, Fedwire, automated teller machine, point-of-sale, and credit card transactions have been increasingly common in consumer transactions and wholesale transactions. Especially, the Article 4A of U.C.C. governs the rights and obligations associated with transactions such as an issue and acceptance of payment order, execution of sender's payment order by receiving bank, and payment. These legal frameworks in connection with electronic fund transfers in United States can play a leading role in establishing model not only within the United States, but also as a basis for developments of electronic commerce law in Korea including other countries.

• 통상정보연구
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• 제10권1호
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• pp.139-154
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• 2008

This research want to discuss some issues about payment system of America. This research focuses on comparing ACH with Fedwire. Firstly Fedwire is the payment system for only large-dollar transfer(Large-Value Transfer System; LVTS), while ACH(Automated Clearing House)payment mainly applies a consumer account. Secondly ACH transaction is either credit or debit transfer, while Fedwire is only credit transfer. Thirdly the communication system of Fedwire has twoway method, telephonelike communication network, but ACH is oneway store and forward electronic mail. At present LVTS divides into RTGS(Real-Time Gross Settlement) and DNS(Deferred Net Settlement). However Fedwire uses either RTGS(instantaneous for every transaction) or DNS(net net transaction) but ACH uses only DNS(net net transaction). Fourthly ACH is substantially cheaper than the Fedwire payment. lastly security is important in both Fedwire and ACH, it is even more crucial in Fedwire In addition, for each transaction, Fedwire may entail individual instantaneous confirmation to the originator and notification to the receiver, whereas ACH do not.

• 통상정보연구
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• 제18권1호
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• pp.55-78
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• 2016

본 논문은 캐나다의 ACSS(자동정산결제시스템)과 미국의 FedACH(연방준비은행의 자동교환정산소)를 비교하여 연구하였다. 양국의 전자자금이체시스템을 특별히 비교연구 한 이유는 ACSS와 FedACH가 양국을 대표하는 소액 소비자간 결제 시스템이라는 사실과 동일한 북미경제권이라는 공통점을 가지고 있었기 때문이다. 연구의 결과 양국의 시스템은 지급시스템의 운영방법, 운영기관의 구성 및 중앙은행의 지위, 지급협회의 역할 및 수표거래와 전자거래의 운영방식이 다르다는 결론에 도달하였다. 또한 양 지급시스템이 참여자들에게 인정받으면서 더욱 보편적인 지급시스템으로 발전하기 위한 정책적 시사점으로 다음과 같은 점을 제시하였다. 첫째, 다양한 종류의 사기거래와 각종 위험노출을 회피하기 위하여 안전성을 더욱 보완하여야 한다. 둘째, 건전한 지급시스템으로 인정받아 고객과 시장에서 인정받기 위해서는 국제적으로 공인된 감독기준의 적용을 받아야 한다. 셋째, 최종 고객의 이익을 보장하는 방향으로 시스템이 운영되기 위해서는 프라이 버쉬(privacy)보장을 전제로 시장의 힘을 강화시켜 진입장벽도 낮추고 이용비용은 더욱 감소시킬 필요가 있다. 마지막으로 중앙은행의 역할과 관련하여 한국도 미국과 캐나다와 같은 대부분의 선진국에서처럼 중앙은행법외에 지급결제에 관한 일반법을 별도로 두고 중앙은행과 지급결제협회간의 업무권한을 분산시켜 지급결제시스템의 리스크발생에 대비한 체계적인 대응을 준비할 필요가 있다.

• 인터넷정보학회논문지
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• 제21권5호
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• pp.75-85
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• 2020

The application of Internet technology has created enormous impact on banking sector with the implementation of many techno-oriented services like Internet banking, EFT, branchless banking, Automated Clearing House (ACH) transactions etc. Study of customer's attitude in terms of trust, perceived risk and ease of use of a particular technology is as an important parameter for acceptance or rejection of a technology. To explore the customers'attitude for Internet banking this research is undertaken. The research is carried out in Pokhara valley which is the second largest city and tourism capital of Nepal. The study employs descriptive research design with stratified sampling procedure for eight top commercial banks. A set of 25 customers is taken from each selected 8 banks making a sample size of 200 respondents. A fixed set of question related to demographic factors is provided personally or by visiting the location of the customers of Internet banking service and collected accordingly. Reliability test is performed using Cronbach's alpha and data is analyzed using inferential statistics to present the results of the study. This study provides knowledge on the current scenario of Internet banking and helps banks in cost saving, mass customization, product innovation, improved marketing and communication. This study is very important for financial institutions like banks, government agencies and business houses to understand the perception of customers towards Internet banking and technology as a whole. The study also supplements the gap in literature on technology and banking in Nepal and serves as an important knowledge base.

• 산업경영시스템학회지
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• 제40권4호
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• pp.55-66
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• 2017

Korean small and medium sized software companies have tried to export their solutions or services to overseas markets. In 2016, exports of the software industry increased by 6.0% from the previous year, and the value added of the industry was 2.2 times higher than that of the manufacturing industry. From a long-term perspective, it is important to secure a global competitive advantage in order to sustain the export high value-added of the software industry. The obstacles to entry into the overseas market of small to medium enterprises are as follows: first, difficulty in product development and localization of marketing; second, lack of investment for overseas expansion; and finally, competitiveness of software technology. In particular, To overcome such obstacles, Korean small and medium sized software companies should increase the technical perfection and secure software export competitiveness. The paper presents a payment settlement framework enabling adaptive reuse and semiautomatic development of global payment settlement services. The quantitative and qualitative evaluation results are presented with domestic and overseas case studies as follows: Firstly, semi-automatic development is realized successfully by applying the framework. Secondly, it is possible to maintain consistent quality of software and to deliver maintenance services without relying on the internal human resources. Thirdly, it is possible to reduce the project duration of the same development cope to less than 50% by applying the framework. Finally, because it is based on BPMN 2.0, which is a high level design diagram, it is expected that it will be easy to implement through components connection and reduce difficulties in technology transfer and localization. Also, at the time of runtime operation, it will be effective to understand the design idea easily and to carry out additional developments without human resource who participated in the initial project.